Make irregular income predictable When paychecks arrive at different times or in different amounts, the first step is to turn uncertainty into data. Track every payment and expense for several months to understand your cash-flow pattern. That gives you a realistic baseline to plan from, rather than guessing. Build a buffer that fits your risk … Read more
The Employees’ Provident Fund Organisation (EPFO) has moved to extend the time period for full withdrawal of provident fund savings. The change is meant to protect retirement nest eggs, but it also raises fresh challenges for migrant workers, retirees, and people who need quick access to funds during emergencies. What the change means Under the … Read more
What is Dynamic Currency Conversion (DCC)? Dynamic Currency Conversion, or DCC, is a payment option offered at some shops, restaurants and ATMs when you use a foreign card. It lets you see the bill in your home currency at the point of sale instead of the local currency. Why it feels convenient Seeing the charge … Read more
Safe choices with different strengths Both the public provident fund (PPF) and fixed deposits (FDs) are conservative, low-risk ways to grow money with assured returns. They shine for capital preservation, but they differ in three key areas: lock-in period, rate of return, and tax treatment. Knowing those differences helps you match a product to your … Read more
When stopping a mutual fund SIP makes sense Discontinuing a mutual fund SIP is not always a mistake. A systematic investment plan is a powerful tool, but circumstances change. Sometimes the goal you were saving for is achieved, a better opportunity appears, or your risk tolerance shifts. Stopping a SIP can be a smart, deliberate … Read more
Household borrowing climbed sharply after the Covid years, leaving many families with higher monthly obligations. If you’re thinking of taking a personal loan or any other unsecured credit, a quick reality check can save stress and money down the road. Why many households borrowed more Income disruptions: Job losses and reduced work hours pushed people … Read more
From scripture to statute Hindu law traces its roots to ancient scriptures and customary practices that guided family, property and social life for centuries. Over time, those traditions were interpreted and adapted by courts and communities, creating a body of rules that balanced religious norms with changing social needs. 1956: a key moment in codification … Read more
What is card autopay? Autopay lets you authorize regular payments — such as subscriptions, utility bills or loan instalments — directly from your debit or credit card without manually approving each transaction. With a one-time setup, merchants can charge the agreed amount on scheduled dates, making recurring payments simpler and more reliable. How it works … Read more
Doorstep Digital Life Certificate for EPS-1995 Pensioners India Post Payments Bank has joined hands with the Employees’ Provident Fund Organisation (EPFO) to bring doorstep Digital Life Certificate services to pensioners enrolled under the Employees’ Pension Scheme, 1995. The move aims to simplify pension verification and reduce the need for senior citizens to travel to offices. … Read more
Reforms widened the market — and raised new risks Recent IPO reforms in India made it easier for companies to list and for retail investors to take part. That deepened the market, brought fresh capital, and created more opportunities for businesses and small investors alike. But the same changes also encouraged a culture of quick … Read more